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only if you can get a credit card as below, 0 n G( \( ~, P
otherwise no need open account at China
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after landed, the banking business you need to do is:
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1.pc financial 的 saving account and debit card
' q) j& S. b8 H P' Fsaving account
" v X' s0 H3 t+ ?it's the safe and very high rate, cacu interest on day, get free check *****( t' _ X5 B& Q1 A
*关键是刚来最好别存长期定期,不能提前支取(or very high fee),pc 只有 10天hold3 F5 ^7 e0 U- P) Q: Q0 }6 N6 H
debit card
% `: _! F5 f w. B" P( V* t, r* jit's free , use for first month to accumulate a little reward**
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2.visa card# Z+ P) }# l" @' s' M B4 N, K& t
cibc divid credit card *****
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银行有一种信用卡,可以返1%的 点数或现金,到年底能返个百八十元的 apply as soon as possible, must be divid, you can get about 1 month6 p$ K' J, L+ m
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3.master card
% u% @, `: ?9 F3 q4 msome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.6 P" D1 G% b7 r
you also should choice one can return cash, or airmile# ^: D4 A; {. z5 Y2 R: z; |
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+ f! S' |- l8 V* Q9 ~" h你如果有了半年以上的使用信用卡的历史,可以尽快到President Choice银行开个户,申请他的Master Card,优惠多多。在每个Superstore都有分部) @, j0 O1 j" B$ H( f3 R
so anybank's master card is ok, cause you need change to PC credit card at
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# v, c7 E! A% Z/ _*可以和银行客户经理谈信用押金的多少,这家不行就换一家,每个营业点有不同的优惠条件,运气好无须押金
$ L; S8 ]4 h& F6 N u/ mTD is ok, 开户时存款$1000以上即可办理信用卡,信用卡的limited是$500,以后根据信用记录可以上调。上述$1000不是定期,可以随时用,但是如果帐户内的钱低于$1000,每次要收取手续费。老扬推荐的就不错7 o. E& \' L" O0 c: z0 {
, ^ f# h+ z' X& t0 }9 E1 [+ Q0 B5 I*一定要无年费,联名, 夫妻各办一种最合适& o; ^, F7 W, @5 H
*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。" _, T) a& W3 d" F9 V
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platium credit card:
. U$ m% C4 J8 b( O; ^useful on car rent for covering insurance, also discount in gas0 M7 s/ S F. V8 }3 {# b
citi bank is the best, but need at least 36000 anual income
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. p8 s1 S1 ?% A' kattentions:1 N2 d! u4 k$ I. g3 Y
do not use credit card at very small shop, especially they print your whole
- \- @( o3 l; Ncard number on receipt. If you check the receipt from big store, it only
' f" U7 O" T; j' Dshows end 4 number .This is new card rule, but small shop hasn't enough
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wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
5 c8 n$ f" ~+ i2 u4 Vdo not withdraw cash , overdraft, and pay part of bill on credit card
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1 Z& M8 g+ f w' E[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]
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[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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